Call reports 2011
MUTUAL SAVINGS BANK — 2011
What MUTUAL SAVINGS BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 123,778,000 | 119,056,000 | 116,554,000 | 118,917,000 |
| Total loans | 94,833,000 | 92,465,000 | 93,174,000 | 97,959,000 |
| Allowance for loan losses | 3,603,000 | 2,929,000 | 2,727,000 | 2,548,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 6,038,000 | 6,569,000 | 7,059,000 | 6,495,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 94,595,000 | 90,875,000 | 89,146,000 | 88,973,000 |
| Interest-bearing deposits | 78,229,000 | 77,307,000 | 75,907,000 | 76,430,000 |
| Noninterest-bearing deposits | 16,366,000 | 13,568,000 | 13,239,000 | 12,543,000 |
| Equity capital | 13,893,000 | 13,978,000 | 14,073,000 | 14,123,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 1,465,000 | 2,843,000 | 4,203,000 | 5,579,000 |
| Interest expense | 283,000 | 554,000 | 800,000 | 1,020,000 |
| Net interest income | 1,182,000 | 2,289,000 | 3,403,000 | 4,559,000 |
| Noninterest income | 180,000 | 395,000 | 559,000 | 623,000 |
| Noninterest expense | 1,177,000 | 2,326,000 | 3,439,000 | 4,573,000 |
| Provision for loan losses | 73,000 | 100,000 | 103,000 | 103,000 |
| Pretax income | 112,000 | 258,000 | 420,000 | 506,000 |
| Income tax | 49,000 | 111,000 | 179,000 | 218,000 |
| Net income | 63,000 | 147,000 | 241,000 | 288,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,205,000 | 12,285,000 | 12,384,000 | 12,443,000 |
| Total capital | 13,269,000 | 13,302,000 | 13,411,000 | 13,509,000 |
| Risk-weighted assets | 82,610,000 | 79,467,000 | 80,457,000 | 83,798,000 |